Should you trade, sell or donate unwanted sample freebies?

Baby formula freebies

YOUR BEST DEFENSE IS TO BE INFORMED   Freebies means you don’t have to pay to try a product that you might not have otherwise bought but what happens when you don’t want the freebie? Do you sell it, trade it or give it away? Today I have a mailbag CBB Fan question that came in that I thought I would address based on my opinion and nothing more. As much as I love getting fan mail one thing I don’t do is give advice on what you should and shouldn’t do. I leave those decisions up to you because in the end the only person who is held responsible for actions taken, is yourself. If you don’t know the answer to a pressing question your best bet is to contact a professional or service that can provide you with the answers you are looking for.   Dear Mr.CBB There has been so much controversy online and on mommy groups about parents who sell freebies that they get from freebie sites online such as free clothes, free formula samples etc. that it’s becoming difficult to know what’s right and what’s wrong. It’s not something I’ve done personally but it has […]

Can lending money ruin friendships?

friendships money

DO WHAT MAKE MAKES SENSE TO YOU   Friendships consist of mutual likes or dislikes or even complete opposites because one person will bring something out of the other. Either way you look at it friends are different from family but can still be just as close. There’s that old saying “You can choose your friends not your family” and for some unfortunate people out there that can be true. Differing views on how each individual runs their lives or what they consider to be important changes from person to person.     Family   I’m sure there’s been times that my parents have had to bite their tongue when it comes to our family and their money situations. Although Mr. CBB is stable with his finances, it doesn’t hold true for my siblings. I somehow was much more aware when my parents taught us about money from a young age. You remember the money-box I spoke about just recently. This is where more financial lessons come into play. I carried those money lessons right up to University and into purchasing my first home at a young age. My parents have had to lend out money more than a few […]

Is it wise to stay home and pay off my student debts?

student debt Asian graduate

I WANT, I WANT, I WANT   Ah, the student debt fever doesn’t hit until school is done and reality hits the young adults of today. End of the school year 2014 is quickly approaching which means many graduates will be free from their education but not from their student debts. Today’s post is based on a question in the CBB mailbox from a student fan who was looking to me and all of you for some advice on what he/she should do after University because of student debt load. It’s funny how many people when given lump sums of money or money in general will live in the moment especially if they don’t have any savings to back them up. The feeling of happiness that money brings to most people overrides anything that will happen after the fact such as paying it back. I know a friend of ours who year after year gets in a financial bind and has to get a loan from whoever is silly enough to give it to them. In the months leading up to actually finding someone to give them a loan to pay off their debt they are miserable, have no money […]

The costs of fertility treatments to create a miracle

female reproduction system fertility

A  STORY OF A COUPLES STRUGGLE   Fertility treatment centers across Canada are visited every day from couples who are struggling to conceive. Each week I find that someone is coming to the blog looking for answers on the costs of fertility treatments, ovulation tests, what infertility is, fertility calendars, fertility calculators and so on. The reality is there are not always any real answers and the doctors will put you through a series of tests and medications that will cost you out-of-pocket if you don’t have the benefits coverage to pay. Many couples will go into debt or use their life savings for an ounce of hope and stop at nothing from re-mortgaging their homes, borrowing money or using credit cards to fund fertility treatments. Sadly, not every treatment has a happy ending and costs can mount up month after month, year after year. If both your fallopian tubes are blocked In Vitro Fertilization (IVF) is not covered under OHIP but the province of Ontario will cover a portion of the costs of IVF but when they say a portion it’s a small portion. Costs can run you upwards of $12,000-$14,000  including medications depending on where you go. A […]

How my co-op program shaped my work ethics

Penguin by the pool

EXPERIENCE LASTS A LIFE-TIME   Co-op programs have been around for ages now and the kids that do get involved have for the most part come out from the placement with a positive learning experience. We’ve talked about career choices and how they should be your own and not up to your parents and taking advantage of any co-op program experience might be your ticket to self-learning. While relaxing a little last night and watching some programs that had been previously recorded the show “Undercover Boss Canada” came on. The television program is based on a British television show called “Back to the Floor” from a several years ago and encourages the Boss to get back to the nitty-gritty. The Undercover Boss segment in question was about the “Toronto Zoo” which in itself was very interesting but also made me think about my involvement in a ‘Work Experience‘ as we call it in the UK a ‘Co-op Program‘ in Canada when I was still in school.   Co-op program   What is a co-op program? Also known as co-operative education in Canada securing a co-op placement is a head start above the competition when it comes time to look for […]

Should your career choice be up to your parents?

ID-10023496

WALK YOUR OWN PATH IN LIFE   When trying to pick a career choice for the rest of your life it’s not an easy task for someone who may still be a teenager and still in high school. The reality is that many people go on to change careers over the course of their life for many reasons. Does money and success buy you happiness? Sure, everyone wants that great career that pays out more money than the actual amount of effort put in. However, not everyone is built the same and one persons passion will be different from another. The work ethic, studying philosophy and creativeness begins at an early age, depending on what your child finds an interest in. I can quite easily say that there is also some inherent genetics that play a part as my own brain and interests are definitely similar to my fathers.   How to encourage your child   I can remember as a child growing up that my parents had obviously seen that I had an interest and certain developing skills that led them to encourage and pursue similar activities for me. They also bought toys and encouraged my interest in activities related to […]

How to handle when your spouse spends too much money

spouse-money

When Money Becomes A Problem   Money can easily become an issue in a marriage when one spouse spends more than the couple earns. Whether the spending habit was there before the union or it occurs as the marriage progresses it must be addressed before it spirals out of control. As I was walking to my car the other day leaving a grocery store my eye caught a woman walking back towards her car. Her husband was waiting at the car as she was throwing her hands up in the air obviously annoyed, as she approached their vehicle. I heard her say ‘I thought we had money on that card’. I am assuming she was unsuccessful paying for their grocery bill which brought up a lot of issues with her spouse. Her husband with an irritated look on his face got out of the car and proceeded to head back into the store with her. Not knowing their story and why the expected funds were not available I can only assume that there was a lack of communication or an oversight with their finances. I don’t know how this story ended as I minded my own business and continued to […]

Are skilled trades the better choice for Canadians?

Ontario Trades

YOUR CAREER PATH STARTS WITH YOU    Are you thinking about going to University? Maybe you should think about trading up and getting involved in the trades. There used to be a time when the working class were the ones filling the skilled trades positions within Canada and other countries. The middle and upper class went to University and took the higher paying jobs and that was the way life was. As the times changed more and more people decided that going to University was the better choice in finding a career. This increase of students has had some negative effects one of which is the shortage of skilled trades people in the industry.   Wages and debt   Some of the other side effects are decreased wages in some University fields purely because of over saturation of the job market. Companies can have the pick of people and pay them less wages based on the fact that they can replace the person with another from the thousands waiting for employment. I can remember in the UK that quite a number of University graduates couldn’t actually find employment in the field they chose. Instead, they ended up in low paid positions in a […]